Has anyone decided to stay childless solely due to finances?

My husband and I have had many difficult conversations about where we stand financially as prospective parents. We both work full-time (him at a non-profit, me as a therapist) and live in an apartment in a relatively affordable area (at least compared to what I see in other places), and yet we are still living almost paycheck to paycheck. We are thrifty and frugal folk, and it's been truly heartbreaking to acknowledge that this might be the best that it gets for us financially. We have set standards for what we would need in order to feel ready to have kids (i.e., a house, sustainable childcare arrangements, savings for medical costs, etc), because we do not want to struggle financially just to be able to be parents. We completely respect others' decisions surrounding parenthood because everyone has their own journey; however, we do not feel so strongly about having children that we would risk destabilizing our finances. To rush into this big of a commitment, literally creating an entire person, just to struggle to give them a good life feels terribly selfish and goes against our values on the subject. So I am wondering, has this been the deciding factor for others here?